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Bank of Scotland: Classic Account reviews

Name: Classic Account
Rating: 3.97 (117 reviews)

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3.96

Based on 117 reviews, last reviewed 23rd Jan 2026

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

49%

21%

16%

Latest highest rating:

4

Good service, low interest. Good service, low interest. Friendly staff. Reviewed on: 23rd January 2026

Latest lowest rating:

2

Not good rates but good customer service which is a... Not good rates but good customer service which is a plus Reviewed on: 13th March 2025

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About this product

The Bank of Scotland Classic account has no monthly fee when you stay in credit.

You can earn cashback with selected retailers, and Bank of Scotland will round what you spend to the nearest pound and transfer to a savings account automatically.

Bank of Scotland Classic current account reviews help you find out what it’s really like to be a customer. If you’ve used Bank of Scotland before, you can also leave a review and share your experience.

Bank of Scotland Classic Account reviews (117)

Review of the Bank of Scotland, Classic Account:

I have been with this bank for years and found them...

I have been with this bank for years and found them to be better than the last one I was with and it costs less to do so. Reviewed on: 19th March 2024

1st Class

Staff are amazing at the branch, always helpful I also love the banking app!! 5* Reviewed on: 26th November 2017

Overdraft fee redtructure again

Once again Bank of Scotland have moved the goalposts and once again ended up costing me even more money than before. They have now put a rolling daily overdraft charge in place whoch comes off each and everyday. Reviewed on: 13th November 2017

Always helpful...

...and ready to quickly sort out any issue. Been with BoS since my supersaver account 25 years ago! Reviewed on: 10th November 2017

RELIABLE BANKING

I HAVE BEEN WITH BANK OF SCOTLAND FOR MANY YEARS AND NEVER HAD A PROBLEM THAT WASN'T EASILY SOLVED. Reviewed on: 8th November 2017

nice staff

nice staff in my local branch of BOS Reviewed on: 6th November 2017

Good trust worthy bank

I feel happy with the Bank of Scotland, My money is secure the statements both online and on paper are well explained and up to date The banking app is easy to use and the customer service is always happy to help online or by telephone however I do find my local branch staff to be a little unprofessional not at all friendly or helpful I always feel like they are in a rush to get rid of me which they probably are as there is always lots of ques. Great offers are always available on my app which I take advantage of monthly Great service! Reviewed on: 6th November 2017

Going down hill since taken over by LLoyds

I just think they are pretty avarage, and have been going down hill since taken over by LLoyds, My accounts have been rebranded as Halifax accounts although my cheque books are still BoS. I have about 8 accounts with Halifax/BoS but there is no overall total. They will try to hit me with fees if I do not have money in the right pocket at the right time. All in all I think it is a crap service, but I have yet to find better. First Direct is alleged to be better, but not in my experience. Reviewed on: 4th October 2017

Brilliant.

I have banked with the bank of Scotland since I was 16 and I have never had a problem! I can not fault them in anyway, I find that using my online banking app makes things more easier and faster for me than having to visit my local branch. Definitely a brilliant place to bank in my opinion. Reviewed on: 20th June 2017

Easy set up, great account, friendly staff

I recently opened a new "Classic Account with Vantage" at the Bank of Scotland. My partner has been with them for over 20 years and told me that they've been great. I did my research and their accounts have quite consistently been in best buy tables I've seen, it also pays interest (unlike my old account at RBS) and they have more branches around - not that I really use them, but it's nice to know they are there. I also liked the everyday offers feature, which said it would give me cashback just shopping as normal if I pay with my Bank of Scotland debit card. You can have these offers "flagged" on your statement too, so that you spot where you could be earning cashback. I did pop in to the branch with a few questions before I opened the account, and the staff were very friendly and helpful. There was a queue at the time, and 2 staff members were helping people skip the queue by showing them how to deposit money in the deposit box/cash machines which I thought was helpful. It meant I was seen much quicker than just joining the line! They also have a linked monthly saver account which looks good, I may open that too (you need a Bank of Scotland current account to have the Monthly Saver account). I did the account opening online, which was very easy to do, and had the decision in minutes. I think the whole process took less than 10 minutes. The card and PIN arrived within 4 days (faster than they said it would). Their mobile banking app is VERY easy to use and looks like it lets you do everything you might need to do. I have just activated my first everyday offer - 5% cashback on shopping in Morrisons. All in all, my experience so far has been very positive, no problems opening the account, and so far, lots of good things about the bank and the account. Reviewed on: 13th June 2017

Not really keeping up with the times

I've been with Bank of Scotland and then HBOS for more than 20 years now. In the time, they've been slow to respond to internet banking, their website is not very intuitive, and their bank and credit card statements are not easy to print out and export. Plus they have refused to divest from certain ethically dubious businesses and individuals. They're not terrible, but I think they could be doing a lot better. Reviewed on: 30th May 2017

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